Zelle®
Introducing Zelle® – a fast, safe and easy way to send money.
Zelle® makes it easy to send money to or receive money from your friends and family – even if they bank somewhere different. Find Zelle® in your Atlantic Union Bank app.
Fast
Money goes straight into your account and is available to use in minutes.1
No fees
There are no fees to send and receive money with Zelle® from our app.2
Private
Your account information and activity stay private.
Find Zelle® in your Atlantic Union Bank App & Online Banking
Get started by enrolling your email or U.S. mobile number through the Atlantic Union Bank app or Online Banking platform.
Pick a Person to Pay
Enter the preferred email address or U.S. mobile number of the recipient. You can send money to almost anyone1 you know and trust with a bank account in the U.S.
Choose the Amount
Enter the amount to send. If your recipient is already enrolled with Zelle®, the money will go directly into their bank account.
Split the Bill
It's easy to split the bill using Zelle®. Choose "Request," select the individual from whom you'd like to request money, enter the amount, review and hit "Request".2
Send money in the moment
When life's unexpected obstacles get in the way, use Zelle® to send money fast.
- Your friend forgot his wallet but not his phone.
- Enjoy dinner without the math, split the bill and get paid within minutes.1
- Your student needs just one more book.
Don’t worry about covering your friends and family. Zelle® lets you request money and get paid quickly.
FAQs
You can send, request or receive money with Zelle®. To get started with your U.S. mobile number or email address, log into the Atlantic Union Bank app and select “Send money with Zelle®." In Online Banking, click on "Transfer Money," then select “Send Money with Zelle®" from the drop down menu.
To send money using Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number), add the amount you’d like to send and an optional note, review, then hit “Send.” The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is available to your recipient in minutes if they are already enrolled with Zelle®. If they aren't already enrolled, the payment notification will prompt them to do so.
To request money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review and hit “Request”. If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their U.S. mobile number.
To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Atlantic Union Bank account, typically within minutes.
If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select Atlantic Union Bank.
- Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.
Zelle® is a great way to send money to family, friends and people you are familiar with such as your personal trainer, babysitter or neighbor*.
Since money is sent directly from your Atlantic Union Bank account to another person’s bank account within minutes1, Zelle® should only be used to send money to friends, family and others you trust.
If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).
No, Zelle® payments cannot be reversed.
You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel and then select “Cancel This Payment.” If you do not see this option available, please contact our Customer Care team at 800.990.4828 for assistance with canceling the pending payment.
If the person you sent money to has already enrolled with Zelle® through their bank or credit union, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
Zelle® QR code provides peace of mind knowing you can send and receive money to the right person, without typing an email address or U.S. mobile number.
To locate your Zelle® QR code, log into the Atlantic Union Bank app and click “Send Money with Zelle®”. Next, go to your “Zelle® settings” and click “Zelle® QR code” and your QR code will be displayed under “My Code”. From here you can view your QR code and use the print or share icons to text, email or print your Zelle® QR code. To receive money, share your Zelle® QR code.
To send money, log into the Atlantic Union Bank app, click “Send money with Zelle®”, click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, simply point your camera at the recipient’s Zelle® QR code, enter the amount, hit “Send,” and the money is on the way! When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money.
Disclosures
*You should send payments only to recipients you trust. Once payments are sent, they cannot be reversed. Neither Atlantic Union Bank nor Zelle® offers customers any protection for authorized payments made with Zelle®
1To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.
2Payment requests to persons not already enrolled with Zelle® must be sent to an email address.
3Your mobile carrier’s messaging and data rates may apply. Terms and conditions apply. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
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